Real Estate Investing in Agate, Colorado (80101)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Elbert County • Population: 449 • Data updated: September 2026

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Should you buy in 80101 (Agate, CO)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (29/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 18.8% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.1% CAGR).

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Agate, CO (80101)?

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2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $498,858
Avg Monthly Rent $1,737
1% Rule ✗ Does Not Meet
Median Income $67,159
% Renters 28.2%

Market Analysis: 80101 Agate

This part of Elbert County is not an easy win. The 80101 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 80101 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Regionally, 80101 sits on the difficult end of the CO spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

The 80101 ZIP's population of 449 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

Distressed ZIPs reward experience. healthy returns are possible in 80101, but they flow to investors who already understand how to operate in soft markets.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Agate:

D Needs Caution
Buy Confidence Score: 47/100
Affordability
5/25
Appreciation
10/25
Stability
7/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.4× the median income
Value Trend
Rising (+3.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,737/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
❄️
COOL MARKET
Denver-Aurora-Lakewood, CO Metro Area
More inventory, negotiating room for buyers
53 days
Average time to sell
Average
12.8%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Denver-Aurora-Lakewood, CO metro data

Market Trends

Home Value History (with trend line)

$608K$526K$445K$363K$282K$201KOct 2012Sep 2019Jul 2026

📊 How Does 80101 Compare?

Metric 80101 Agate Denver-Aurora-Lakewood, CO Colorado
Home Value $498,858 $498,858 N/A $535,778
5-Year CAGR 0.1% 0.1% N/A 4.9%
Avg Rent $1,737 $1,737 N/A -
Cap Rate 2.7% 2.7% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 80101 (Agate, CO). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
2.7%
Low
5yr Growth
+0.1%
Slow

📊 Market Snapshot

Home Value $498,858
Monthly Rent $1,737
Price-to-Rent 23.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.2%
Cap Rate 2.7%
5-Year IRR 2.8%

📈 Home Appreciation

1-Year +3.6% ▲
3-Year CAGR -3.3% ▼
5-Year CAGR +0.1% ▲
10-Year CAGR +5.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
18.8%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+0.1%
Flat
Eviction process: Moderate Rent control: Favorable

Demographics in 80101

Population: 449

💰 Median Household Income
$67,159
This area
$67,159
State
$79,719
USA
$74,580
🏠 Renter Occupied
28.2%
This area
28.2%
State
26.4%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-25.8%
USA
3.7%
🎓 College Educated
17.9%
This area
17.9%
State
5.8%
USA
33.7%
👤 Median Age
55.0 years
This area
55.0 years
State
-0.1 years
USA
38.9 years
🏚️ Vacancy Rate
18.8%
This area
18.8%
State
18.7%
USA
10.5%
👥 Population by Ethnicity
White 98.3%
Other/Mixed 1.7%
👶 Under 18
16.7%
This area
16.7%
USA
22.0%
👴 65 and Over
36.4%
This area
36.4%
USA
17.3%
📊 Poverty Rate
5.2%
This area
5.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 80101

A Avg School Grade
2 Schools
7.5:1 Avg Class Size
$21,440 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Agate Elementary School

📚 Pre-K – 06 School
👥
48 Students
👨‍🏫
10.1:1 Class Size
💰
$21,440 Per Student
A Very Good

Agate Junior Senior High School

📚 06 – 12 High School
👥
18 Students
👨‍🏫
5.0:1 Class Size
💰
$21,440 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What are vacancy rates like in Agate, CO?

Vacancy risk in Agate, CO is elevated. That supports stable cash flow for typical rental holds.

Is rental property easy to operate in Agate, CO?

CO ranks as a landlord-friendly state for landlord-tenant law. Agate generally follows the statewide framework, so landlords face reasonable operating rules.

Should investors consider Agate, CO?

Agate, CO records an investability rating of 2.0/5, with median home values near $499K and average rents around $1,737/mo. That combination puts it in the notable tier for investor interest.

Does house hacking work in Agate, CO?

The a challenging house-hack environment in Agate, CO reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Where do rents currently stand in Agate, CO?

Expect rents around $1,737/mo per month in Agate, CO. With home values at $499K, the yield math works out to reasonable levels for rental investors.

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How 80101 ranks in Denver-Aurora-Lakewood, CO

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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